Terms of Service

Last updated: January 6, 2026

1. Agreement to Terms

By accessing or using 605b.ai ("Service"), operated by Ninth Wave LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

605b.ai is document management and educational software that provides:

  • Tools to organize credit report documentation
  • Letter templates based on federal consumer protection statutes
  • Workflow tracking features
  • Educational information about consumer rights
  • AI-assisted guidance for educational purposes

3. Important Disclaimers

NOT LEGAL ADVICE: The Service provides software tools and educational information only. We are NOT a law firm, and nothing on this Service constitutes legal advice. We do not provide attorney-client relationships.

NOT A CREDIT REPAIR ORGANIZATION: We are NOT a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679. We do not perform credit repair services, negotiate with creditors or bureaus on your behalf, or guarantee any outcomes.

NO GUARANTEES: We make no representations or warranties regarding the outcomes of using our software. Results depend entirely on individual circumstances, the accuracy of information you provide, and decisions made by credit bureaus, creditors, and other third parties.

EDUCATIONAL PURPOSES: All information provided through the Service, including AI responses, is for educational purposes only. You should consult with a qualified attorney for legal advice specific to your situation.

4. User Responsibilities

You agree to:

  • Provide accurate information when using the Service
  • Use the Service only for lawful purposes
  • Not misrepresent your identity or circumstances
  • Not use the Service to harass, defraud, or harm others
  • Maintain the confidentiality of your account credentials
  • Take responsibility for all activities under your account

5. Intellectual Property

The Service and its original content, features, and functionality are owned by Ninth Wave LLC and are protected by copyright, trademark, and other intellectual property laws. Letter templates are provided for your personal use and may be customized for your individual disputes.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NINTH WAVE LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

7. Indemnification

You agree to indemnify and hold harmless Ninth Wave LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

8. Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on the Service. Your continued use after changes constitutes acceptance of the modified Terms.

9. Governing Law

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

10. Contact

For questions about these Terms, contact us at: admin@9thwave.io

Ninth Wave LLC
Delaware, USA